it ain't the mosiac that we solved. it's a different mosaic. we have 52% of the banking assets inside about four or five banks. they are at the at-risk part of investment banking. only one-half in deposit. that doesn't make any sense at all we made a big mistake putting these two things together. i supported it. i made a few mistakes in my life. i'll make some more, i'm sure. this is because the cultures are different and you're trying to regulate them together with a thing that no human being can manage or regulate. >> you run a boring operation yourself. it's involved in different kinds of activities than was just described. you're the other true practitioner here. the others have a lot of wisdom. we're not going down the wrong path. dodd-frank has a lot of very positive aspects to it. i think improvement of capital ratios, capital planning, resolution planning, lick we digs authority, improvements in government and risk management. those are all positive aspects. i think the financial system is much better off for many of those. but you did